Which figures does it use?

The 2026 figures the IRS published in Rev. Proc. 2025-32, the 2026 Social Security wage base, and the changes of the One Big Beautiful Bill Act (QBI ranges and minimum, child tax credit, senior deduction).

State tax, the alternative minimum tax, the annualized income installment method, farmers and fishermen, and credits other than the child tax credit and the credit for other dependents. Enter other credits as one amount.

Are the figures I enter stored?

Only in your browser. The calculation runs on your device, and saved clients are kept in this browser's storage. Nothing is sent to our servers.

The calculator is free. A free account keeps 5 saved clients; Starter is about $14 a month for 50 clients, Pro about $33 for 1,000, with client letters and the CSV schedule.

Federal estimated tax · 2026

Quarterly estimated tax, worked out

Self-employment tax, the QBI deduction and the 90% / 100% / 110% safe harbor on the 2026 IRS figures, with the four 1040-ES installments and their due dates. For freelancers and for the people who prepare their returns.

ClientName

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Filing▾

Tax yearFiling statusAged 65 or olderBlind

Income for the year▾

Self-employment profit

Net profit after business expenses (Schedule C)W-2 wages

Interest, ordinary dividends, rents

Not including qualified dividendsQualified dividends

Net long-term capital gain

A net loss counts up to $3,000Other taxable income

Retirement distributions, unemployment, short-term gains

Adjustments and deductions▾

Self-employed health insurance

SEP, SIMPLE, solo 401(k), IRA

Other adjustments

HSA, student loan interest, educator expensesItemized deductions

Used only if larger than the standard deduction

Business (QBI deduction)▾

Specified service business (consulting, law, accounting, health, financial services, performing arts, athletics). Matters only above $201,750 of taxable income ($403,500 joint).W-2 wages paid by the business

Qualified property (UBIA)

Dependents and credits▾

Children under 17Other dependentsOther nonrefundable credits

Education, child care, energy credits

Withholding and last year▾

Federal tax withheld this year

Expected total for the year, from pay stubs and 1099s

Last year's total tax

Form 1040 line 24, less refundable creditsLast year's AGI

Form 1040 line 11; over $150,000 means 110%

Estimated payments

None needed

Withholding covers the tax to within $1,000.

Due	Paid	Amount
Q1 April 15, 2026		—
Q2 June 15, 2026		—
Q3 September 15, 2026		—
Q4 January 15, 2027		—

Total income: $0
Adjusted gross income: $0
Standard deduction: −$16,100
Taxable income: $0
Income tax: $0
Total federal tax: $0
Effective rate · top bracket: 0% · 10%

Without last year's tax, the safe harbor is 90% of this year's tax. Enter last year's total tax to see whether paying 100% (or 110%) of it is lower.
The tax left after withholding is under $1,000, so no estimated payments are required for this year.

Enter the year's figures

Self-employment profit, wages, investment income, withholding. Rough figures are fine early in the year and can be updated each quarter.

See the payments

The 2026 federal tax, the smallest required payment under the safe harbor rules, and the four installments with their due dates.

Keep clients up to date

Save each client in this browser, record payments as they are made, print a payment letter and export the schedule for the whole practice.

What is covered

Income tax

2026 brackets for all four filing statuses, standard or itemized deduction with the extra amounts for 65 and older and blind, and qualified dividends and long-term gains at 0%, 15% and 20%.

Self-employment tax

15.3% on 92.35% of net earnings per person, the Social Security part up to the $184,500 wage base less W-2 wages, and the deduction for half.

QBI deduction

Section 199A at 20%, the taxable income limit, the specified service phase-out, the W-2 wage and property limit, and the $400 minimum from 2026.

Other taxes and credits

Additional Medicare Tax, net investment income tax, the senior deduction for 2025 to 2028, the $2,200 child tax credit with its refundable part, and the credit for other dependents.

Safe harbor

90% of this year's tax or 100% of last year's, 110% when last year's AGI was over $150,000 ($75,000 married filing separately), and the $1,000 threshold below which no payments are needed.

Installments

The regular method of Form 2210: a quarter of the required payment by each date, with earlier shortfalls carried forward and due dates moved past weekends and holidays.

An estimate, shown in full

Every step from total income to total tax is listed next to the result, so a projection can be checked line by line against last year’s return. Where the planner simplifies, it says so: one combined business for the QBI deduction, the regular installment method, federal tax only. It is a planning tool, not a return and not tax advice.

Pricing

Free

5 saved clients

Without an account: 1 saved client

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✓2026 federal figures from the IRS
✓Self-employment tax and QBI deduction
✓90% / 100% / 110% safe harbor
✓Payment letters and CSV schedule (paid plans)
✓Calendar file with all four due dates
✓Client figures stay in your browser

Prices in USD are approximate. Checkout charges the exact amount in USD at Stripe’s exchange rate (a 2–4% conversion fee is included), or in euros if you prefer. No VAT or sales tax is added. Monthly, cancel any month. The calculator is free on every plan; plans differ in how many clients you can save and in letters and the CSV schedule.

Questions

Which figures does it use?: The 2026 figures the IRS published in Rev. Proc. 2025-32, the 2026 Social Security wage base, and the changes of the One Big Beautiful Bill Act (QBI ranges and minimum, child tax credit, senior deduction).
What is not covered?: State tax, the alternative minimum tax, the annualized income installment method, farmers and fishermen, and credits other than the child tax credit and the credit for other dependents. Enter other credits as one amount.
Are the figures I enter stored?: Only in your browser. The calculation runs on your device, and saved clients are kept in this browser's storage. Nothing is sent to our servers.
What does it cost?: The calculator is free. A free account keeps 5 saved clients; Starter is about $14 a month for 50 clients, Pro about $33 for 1,000, with client letters and the CSV schedule.